SIGNAL Car Casco (own-damage car insurance) (Signal Car)
Underwritten by SIGNAL IDUNA ASIGURĂRI S.A. · Romania
casco (own-damage car insurance) from SIGNAL Car for the Romania market, with 24/7 assistance.
Last verified Aug 12, 2026Sources
Unique selling points
Roadside assistance is always included at no extra cost, covering towing, overnight vehicle storage, driver/passenger accommodation, and home transport.
Glass damage is covered as a standard included benefit without additional premium, unlike many competitors who charge it as an add-on.
Original manufacturer spare parts are guaranteed at repairs, ensuring full-quality restoration of the insured vehicle.
No deductible is applied when the policyholder is not at fault in an accident and claims via their own CASCO policy.
24/7 call center available for claim notification and assistance, with an online damage notification portal at daune.signal-iduna.ro.
Coverage limits
Own Damage (Collisions, Fire, Natural Perils, Animals)
Covered
Covers damages to the insured vehicle resulting from collisions, impacts, overturning, skidding, scratches, objects falling on the vehicle, fire, explosions, natural perils, and damages caused by animals while the vehicle is in motion. No monetary sub-limit stated in official sources; indemnity is up to the insured sum.
Section: Plan de bază > Avarii > Acoperire
pentru coliziuni, loviri, răsturnări, derapări, zgârieturi, căderea unor corpuri pe autovehicul
Total Loss
Covered
Total loss is covered as part of the base own-damage coverage. No separate monetary limit is stated; compensation is up to the insured sum of the vehicle as set at policy inception.
Partial Loss
Covered
Partial damage to the insured vehicle is covered under the base plan, including scratches, dents, and other partial damage from covered perils. Repairs are guaranteed with original manufacturer parts. No monetary sub-limit stated.
Section: Plan de bază > Avarii > Acoperire
pentru coliziuni, loviri, răsturnări, derapări, zgârieturi, căderea unor corpuri pe autovehicul
Theft and Burglary
Covered
Covers total theft of the vehicle and partial theft by break-in (theft of component parts, pieces or additional equipment from inside the vehicle). Coverage for theft requires retention of the complete set of original vehicle keys. No monetary sub-limit stated; indemnity up to the insured sum.
Section: Plan de bază > Furt > Acoperire
pentru furtul autovehiculului pentru furtul prin efracție (al unor părți componenente, piese sau dotări suplimentare din interiorul autovehiculului)
Glass Damage
Covered
Coverage for damages caused exclusively to glass elements (windscreen, windows) of the insured vehicle. Included without additional premium payment as per the product benefits table.
Section: Riscuri asigurate > Acoperire
pentru pagubele produse exclusiv elementelor vitrate
Natural Perils
Covered
Covers vehicle damage caused by natural perils (floods, hail, storms, etc.) as part of the base Avarii plan. Also includes coverage for vehicle entry into flooded areas as an optional add-on (with additional premium).
Section: Plan de bază > Avarii > Acoperire
pentru fenomene naturale
Vandalism
Covered
Covers vehicle damage caused by vandalism (including damage caused by animals while the vehicle is stationary, which requires an additional premium). Vandalism is included in the base Avarii plan; animal damage while stationary is an optional add-on.
Section: Plan de bază > Avarii > Acoperire
pentru vandalism
Roadside Assistance 24/7
Covered
Always-included 24/7 roadside assistance for vehicles up to 3.5 tonnes maximum authorized weight. Services include: on-site repair or towing to the nearest authorized service unit, safe overnight/weekend vehicle storage, accommodation for driver and passengers, transport of driver and passengers home, and transport of a person to recover the vehicle.
Section: Riscuri asigurate > Acoperire > Fără plata unei prime suplimentare
pentru asistență rutieră, 24/7 (pentru autovehicule cu masa maximă autorizată până la 3,5 tone)
Replacement Vehicle
No limit stated
No replacement/courtesy vehicle benefit is mentioned in official product sources for SIGNAL Car (persoane fizice). Roadside towing and transport services are provided via roadside assistance but do not constitute a replacement vehicle.
Driver and Passenger Accident Coverage
Optional
Personal accident cover for the driver and passengers, available as an additional paid clause. Includes death resulting from an accident, total or partial permanent disability, hospitalisation and surgical interventions.
Section: Riscuri asigurate > Acoperire > Cu plata unei prime suplimentare
pentru accidentare persoane (care duce la deces și invaliditate) pentru accidentare persoane (care are ca rezultat spitalizarea și intervențiile chirurgicale)
Key conditions
Driver age and experience limit
No minimum driver age or experience requirement is explicitly stated in official product sources for SIGNAL Car (persoane fizice). Policy pricing factors include driver age and experience history, but no blanket restriction is published.
Repair network requirements
Repairs may be carried out at: (1) SIGNAL IDUNA partner repair shops — direct payment between insurer and shop, no reimbursement needed; (2) any RAR-authorized repair unit — subject to reimbursement per policy conditions; (3) own arrangement — reimbursement requests may be sent to [email protected]. Partner network list available on official website.
Anti-theft requirements
Official SIGNAL Car (individuals) product documents do not specify a requirement to retain a minimum number of original keys for theft coverage. A full original-key-set condition (2 or more keys) is stated in the SIGNAL Enterprise Car (legal entities) product document; this has not been confirmed for the individuals' CASCO product in official sources.
Claim notification deadline
The policyholder must notify the insurer (by phone via Call Center or by email at the dedicated address) about the insured event in accordance with the deadlines stated in the insurance conditions. For theft and vandalism, police notification is mandatory. Damage claims portal: daune.signal-iduna.ro or phone 0312 248 601 (24/7).
Deductible rules
Standard deductible applies per policy conditions. If the policyholder is not at fault in an accident, the CASCO deductible is not applied.
Direct payment
Direct payment between SIGNAL IDUNA and authorized partner repair shops (service parteneri); for repairs at non-partner RAR-authorized units, reimbursement applies subject to policy conditions.
Territorial scope
Romania (territorial scope per policy conditions; international scope not confirmed from official product sources)
Documents
Policy specifics
Passenger Accident Coverage
Optional additional coverage for vehicle passengers covering death, disability, hospitalization and surgical interventions resulting from accidents
SourcePage 1Section: Riscuri asigurate > Acoperire > Cu plata unei prime suplimentare
pentru accidentare persoane (care duce la deces și invaliditate) pentru accidentare persoane (care are ca rezultat spitalizarea și intervențiile chirurgicale)
Major Damage Deductible Clause
Optional clause that reduces the insurance premium where insured damage claims are reduced by a fixed deductible of 500 EUR (or equivalent in RON for RON-issued policies)
SourceSource no longer reachableAuthorized Repair Service Network
Repairs in network shops are paid directly by the insurer; repairs outside the network may be reimbursed according to policy conditions
SourceSection: Asigurări generale > 1 Care este lista service-urilor partenere pentru reparații auto?
Pentru reparațiile auto, SIGNAL IDUNA colaborează cu o rețea extinsă de service-uri partenere autorizate, pentru a-ți oferi servicii de calitate și rapiditate. Dacă alegi să repari mașina în rețeaua noastră de parteneri , SIGNAL IDUNA va achita direct costurile către service. Dacă preferi să faci reparațiile la un alt furnizor, îți putem rambursa cheltuielile conform condițiilor din poliță.
No-Fault Accident Deductible Waiver
If the policyholder is not at fault in an accident, they can claim from the third party's insurer or use their own CASCO coverage without deductible application
SourceSource no longer reachableOriginal Manufacturer Parts Coverage
Original parts and accessories mounted by the manufacturer are covered under the policy. Replacement parts are guaranteed according to policy conditions
SourcePage 1Section: Riscuri asigurate > Acoperire
pentru pagubele produse pieselor de rezervă și accesoriilor montate de producător
Sources
- asigurarigenerale.signal-iduna.rohttps://asigurarigenerale.signal-iduna.ro/asigurare-casco-persoana-fizica(opens in a new tab)Source no longer reachable
- signal-iduna.rohttps://www.signal-iduna.ro/downloads/siroa/Asigurare-auto-CASCO-%E2%80%93-SIGNAL-Car.pdf#page=1(opens in a new tab)
- signal-iduna.rohttps://www.signal-iduna.ro/downloads/siroa/Asigurare-auto-CASCO-pentru-flote---Signal-Enterprise-Car.pdf#page=1(opens in a new tab)
- signal-iduna.rohttps://www.signal-iduna.ro/ro/asigurare-auto-casco(opens in a new tab)
- signal-iduna.rohttps://www.signal-iduna.ro/ro/intrebari-frecvente(opens in a new tab)
SIGNAL Car Casco (own-damage car insurance)